Philippines Salary
Philippines salary calculator 2026
Estimate Philippine take-home pay after SSS, PhilHealth, Pag-IBIG, annual bonus, 13th-month pay exemption, and graduated income tax.
Calculator
Estimate Philippine take-home pay
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How it works
How Philippine net salary is estimated
The calculator annualizes salary, adds 13th-month pay and bonus, estimates employee SSS, PhilHealth, and Pag-IBIG, then applies the post-TRAIN graduated income tax schedule.
It also applies the commonly used ₱90,000 exclusion for 13th-month pay and other benefits. Actual withholding can differ by payroll cycle, employer setup, and benefits classification.
Taxable income = Annual gross income - mandatory employee contributions - other deductions - 13th-month/bonus exemption
Monthly net pay = (Annual gross income - mandatory contributions - other deductions - income tax) / 12
FAQ
What makes Philippine take-home pay different from gross salary?
Gross salary is reduced by income tax and mandatory employee contributions. For employees, SSS, PhilHealth, and Pag-IBIG can materially reduce monthly cash even before income tax.
Does this calculator include 13th-month pay?
Yes. You can enter 13th-month pay separately, and the calculator applies the bonus exemption before estimating taxable income.
What is the ₱90,000 bonus exemption?
Philippine rules generally allow up to ₱90,000 of 13th-month pay and certain other benefits to be excluded from taxable income. Amounts above the cap can become taxable.
How is SSS estimated?
The calculator uses a simplified employee share based on monthly salary and the current contribution ceiling. Exact payroll tables use compensation ranges, so employer payroll may differ slightly.
How is PhilHealth estimated?
It uses the 5% premium rate shared equally between employer and employee, so the employee side is estimated at 2.5% within the salary floor and ceiling.
How is Pag-IBIG estimated?
The calculator estimates the employee contribution at 2% up to a practical monthly compensation cap. Employer payroll setups may use exact fund tables.
Why can tax be zero for lower salaries?
Under the graduated tax schedule, annual taxable income up to ₱250,000 is taxed at 0%. Contributions and the bonus exemption can keep some employees below the taxable threshold.
Does the calculator show monthly withholding?
No. It estimates annual tax and averages take-home pay across 12 months. Actual monthly withholding can change when bonuses, adjustments, or year-end annualization occur.
Should I include allowances?
Include taxable allowances in monthly salary or bonus. If an allowance is non-taxable under your employer's payroll treatment, exclude it from gross income for a cleaner estimate.
How should OFWs use this calculator?
This page is aimed at local employee salary planning. OFW taxation and contribution rules can be different, so use it only as a rough comparison if you are not a local employee.